VA
Active
12$409,999$90,070 equity gap
- Rate
- 2.50%
7.32%today- Payment
- $1,442/mo
$2,507today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
3,150 homes in Arizona carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.01%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arizona assumable market
by the numbers.
3,150active assumable listings
2.01%lowest locked rate
$400kmedian list price
$554saved per month vs. 7.2%
Across Arizona
Assumable homesby Arizona city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Arizona on the map- 01Phoenix407407 assumable homes · median 4.46%
- 02Mesa224224 assumable homes · median 5.00%
- 03Buckeye178178 assumable homes · median 5.86%
- 04Surprise173173 assumable homes · median 6.12%
- 05Maricopa159159 assumable homes · median 5.41%
- 06San Tan Valley138138 assumable homes · median 6.14%
- 07Glendale119119 assumable homes · median 5.22%
- 08Casa Grande108108 assumable homes · median 5.78%
- 09Goodyear108108 assumable homes · median 5.24%
- 10Peoria9494 assumable homes · median 4.99%
- 11Gilbert7474 assumable homes · median 3.87%
- 12Chandler6464 assumable homes · median 5.46%
- 13Kingman5757 assumable homes · median 4.99%
- 14Florence5353 assumable homes · median 6.11%
- 15Sierra Vista5353 assumable homes · median 4.93%
- 16Queen Creek5151 assumable homes · median 4.25%
- 17Litchfield Park5050 assumable homes · median 6.34%
- 18Sun City5050 assumable homes · median 4.34%
- 19Apache Junction4646 assumable homes · median 4.21%
- 20Avondale4444 assumable homes · median 6.20%
- 21Scottsdale4040 assumable homes · median 3.73%
- 22Prescott Valley3939 assumable homes · median 4.19%
- 23Tolleson3737 assumable homes · median 6.11%
- 24Laveen3636 assumable homes · median 6.39%
- 25Prescott3535 assumable homes · median 4.65%
- 26Bullhead City3030 assumable homes · median 4.60%
- 27Arizona City2929 assumable homes · median 6.34%
- 28Fort Mohave2828 assumable homes · median 3.79%
- 29Tonopah2828 assumable homes · median 6.21%
- 30Coolidge2727 assumable homes · median 6.36%
- 31Flagstaff2727 assumable homes · median 3.71%
- 32El Mirage2525 assumable homes · median 3.87%
- 33Waddell2424 assumable homes · median 5.59%
- 34Tempe2323 assumable homes · median 6.24%
- 35Gold Canyon2121 assumable homes · median 4.67%
- 36Golden Valley2121 assumable homes · median 4.83%
- 37Wittmann2020 assumable homes · median 5.92%
- 38Payson1919 assumable homes · median 4.14%
- 39Wickenburg1818 assumable homes · median 6.50%
- 40Hereford1717 assumable homes · median 3.68%
- 41Williams1616 assumable homes · median 6.33%
- 42Show Low1515 assumable homes · median 6.50%
- 43Sun City West1515 assumable homes · median 6.22%
- 44Sedona1414 assumable homes · median 4.82%
- 45Chino Valley1313 assumable homes · median 4.00%
- 46Cave Creek1212 assumable homes · median 4.19%
- 47Dewey-Humboldt1212 assumable homes · median 5.75%
- 48Mayer1212 assumable homes · median 6.15%
- 49Anthem1111 assumable homes · median 6.00%
- 50Paulden1111 assumable homes · median 3.22%
- 51Camp Verde1010 assumable homes · median 4.17%
- 52Fountain Hills1010 assumable homes · median 4.42%
- 53Youngtown1010 assumable homes · median 5.21%
- 54Rimrock99 assumable homes · median 6.50%
- 55Douglas88 assumable homes · median 6.62%
- 56Eloy88 assumable homes · median 4.07%
- 57Tucson88 assumable homes · median 6.81%
- 58New River77 assumable homes · median 3.72%
- 59Sun Lakes77 assumable homes · median 3.73%
- 60Benson66 assumable homes · median 5.13%
- 61Cottonwood66 assumable homes · median 3.79%
- 62Globe66 assumable homes · median 6.48%
- 63Huachuca City66 assumable homes · median 5.41%
- 64Overgaard66 assumable homes · median 5.89%
- 65Winslow66 assumable homes · median 5.02%
- 66Meadview55 assumable homes · median 3.45%
- 67Pine55 assumable homes · median 6.56%
- 68Dewey44 assumable homes · median 6.78%
- 69Topock44 assumable homes · median 3.52%
- 70Yucca44 assumable homes · median 6.55%
- 71Arlington33 assumable homes · median 3.64%
- 72Clarkdale33 assumable homes · median 3.55%
- 73Congress33 assumable homes · median 3.53%
- 74Cornville33 assumable homes · median 2.93%
- 75Lakeside33 assumable homes · median 5.41%
- 76McNeal33 assumable homes · median 6.19%
- 77Mohave Valley33 assumable homes · median 6.65%
- 78Morristown33 assumable homes · median 3.65%
- 79Rio Verde33 assumable homes · median 3.75%
- 80Bellemont22 assumable homes · median 6.54%
- 81Dolan Springs22 assumable homes · median 5.23%
- 82Marana22 assumable homes · median 5.17%
- 83Miami22 assumable homes · median 5.91%
- 84Munds Park22 assumable homes · median 5.10%
- 85Pinetop22 assumable homes · median 6.57%
- 86Queen Valley22 assumable homes · median 6.53%
- 87Rio Rico22 assumable homes · median 5.17%
- 88Sahuarita22 assumable homes · median 6.07%
- 89Salome22 assumable homes · median 5.05%
- 90Skull Valley22 assumable homes · median 2.86%
- 91Snowflake22 assumable homes · median 6.20%
- 92Strawberry22 assumable homes · median 3.25%
- 93Taylor22 assumable homes · median 5.12%
- 94Thatcher22 assumable homes · median 5.05%
- 95Tombstone22 assumable homes · median 5.82%
- 96Vail22 assumable homes · median 4.31%
- 97Yuma22 assumable homes · median 6.69%
- 98Aguila11 assumable home · median 2.78%
- 99Ash Fork11 assumable home · median 7.09%
- 100Bisbee11 assumable home · median 6.50%
- 101Black Canyon City11 assumable home · median 6.64%
- 102Bouse11 assumable home · median 4.00%
- 103Cibola11 assumable home · median 6.12%
- 104Eagar11 assumable home · median 6.24%
- 105Elgin11 assumable home · median 6.72%
- 106Happy Jack11 assumable home · median 2.81%
- 107Heber11 assumable home · median 3.02%
- 108Humboldt11 assumable home · median 6.47%
- 109Mormon Lake11 assumable home · median 3.57%
- 110Oro Valley11 assumable home · median 5.27%
- 111Page11 assumable home · median 7.00%
- 112Pinedale11 assumable home · median 2.25%
- 113Quartzsite11 assumable home · median 4.67%
- 114Red Rock11 assumable home · median 3.82%
- 115Roosevelt11 assumable home · median 2.91%
- 116Seligman11 assumable home · median 6.69%
- 117Sonoita11 assumable home · median 2.78%
- 118St. Johns11 assumable home · median 3.49%
- 119Tonto Basin11 assumable home · median 6.50%
- 120Valley Farms11 assumable home · median 5.30%
- 121Vernon11 assumable home · median 3.80%
- 122Wellton11 assumable home · median 6.58%
- 123Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- Beaver Dam
- Blue
- Bowie
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Fredonia
- Gila Bend
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Mobile
- Mount Lemmon
- Naco
- Nogales
- Nutrioso
- Oatman
- Oracle
- Palo Verde
- Paradise Valley
- Parker
- Parks
- Patagonia
- Peach Springs
- Pearce
- Peeples Valley
- Picacho
- Pima
- Pirtleville
- Portal
- Roll
- Saddlebrooke
- Safford
- San Luis
- San Manuel
- San Simon
- Sanders
- Somerton
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Tubac
- Tumacacori
- Valentine
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
About the market
Assumable mortgagesin Arizona, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Arizona. Updated October 2026.
How assumptions work for buyersArizona has 3,150 homes for sale with an assumable mortgage as of October 2026: 1,830 FHA loans and 1,320 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Arizona assumable listings start at 2.01% with a median of 5.23%; 1,261 listings are under 4% and 1,485 are under 5%.
The median assumable home in Arizona lists for $399,999, with a median of $115,866 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,700 a month versus $2,253 for the same balance at today's rate, roughly $554 kept every month and $6,642 a year. The deepest Arizona inventory is in Phoenix (407), Mesa (224), Buckeye (178), Surprise (173), and Maricopa (159).
37 listings in Arizona are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Arizona assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Arizona
View all 3,150 on the map Homes on the marketacross Arizona.
VA
Active
26$309,999$32,527 equity gap
- Rate
- 2.875%
7.32%today- Payment
- $1,286/mo
$2,129today
- 3beds
- 2baths
- 1,266sqft
44192 GRIFFIS Drive, Maricopa
VA
Active
29$325,000$89,526 equity gap
- Rate
- 2.249%
7.32%today- Payment
- $1,048/mo
$1,883today
- 4beds
- 3baths
- 2,185sqft
42443 HILLMAN Drive, Maricopa
VA
Active
37$519,900$146,638 equity gap
- Rate
- 2.25%
7.32%today- Payment
- $1,628/mo
$2,926today
- 3beds
- 2baths
- 2,048sqft
18230 LOUISE Drive, Surprise
VA
Active
32$879,990$181,304 equity gap
- Rate
- 2.50%
7.32%today- Payment
- $3,119/mo
$5,423today
- 5beds
- 3baths
- —sqft
6226 14TH Street, Phoenix
FHA
Active
43$305,000$87,487 equity gap
- Rate
- 2.88%
7.32%today- Payment
- $1,039/mo
$1,720today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Arizona.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 3,150
- UMe Certified / verified
- 37
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $399,999
- Median cash to assume
- $115,866
Arizona listings by locked rate
- Under 4%1,261 homes
- 4% – 5%224 homes
- 5% – 6%231 homes
- 6% and up1,405 homes
Arizona listings by loan type
- FHA1,830 homesmedian 6.11%
- VA1,320 homesmedian 3.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Arizona numbers
What an assumable ratedoes to an Arizona payment.
The sliders start at the median Arizona assumable listing: $399,999 list price and a 5.23% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$115,000
29% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Arizona
$1,676/mo
New loan at 7.20%$1,935
Assumed at 5.25%
$1,676
Every month$258
Over five years$15,499
Interest you never pay$173,45426-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Arizona listing on UMe shows the actual balance, rate, and payment.
How it works in Arizona
How to assumea mortgage in Arizona.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Arizona home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arizona map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $115,866 in Arizona today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Arizona payment written in a different decade.
Arizona questions
Assuming a mortgagein Arizona.
The numbers below come from current Arizona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arizona?
As of October 2026, UMe tracks 3,150 active assumable listings in Arizona. 37 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Arizona?
Current Arizona inventory breaks down as FHA (1,830, median 6.11%) and VA (1,320, median 3.96%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
What is the lowest assumable mortgage rate in Arizona?
The lowest rate on an active Arizona assumable listing is 2.01%, and the median across all 3,150 listings is 5.23%. 1,261 listings are under 4% and 1,485 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Arizona?
Across current Arizona listings, the median principal-and-interest payment on the assumable loan is $1,700 per month versus $2,253 for the same balance at today's rates, a difference of about $554 every month, or $6,642 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
How much money do I need to assume a home in Arizona?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arizona that gap is currently a median of $115,866 on a median list price of $399,999. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
Which Arizona cities have the most assumable homes?
The deepest assumable inventory in Arizona is in Phoenix (407), Mesa (224), Buckeye (178), Surprise (173), and Maricopa (159). Each city has its own page with live counts, rates, and neighborhoods, and the Arizona map lets you search the whole state at once.
How long does a mortgage assumption take in Arizona?
Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Arizona.The rate is already on the house.
Every listing on the Arizona map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
